Car insurance discussions and local services.
linda_chef
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Topics and replies this member has contributed.
RE: Classic car insurance and the annual mileage cap - worth it?
It’s not just you - this is a pretty common concern with classic car policies. The mileage cap isn’t exactly an “honor system,” but it’s not like there’s a GPS tracker in your glovebox either. Most companies will ask for...
RE: How did you feel after your first accident and dealing with insurance?
I hear this a lot, but honestly, most of the time the information is there - just buried under legal jargon and pages of exclusions. The reality is, insurance policies are contracts, and they’re written to be precise (so...
RE: Weighing legal trouble vs. losing trust: which is worse after fraud?
I get where you’re coming from. Legal consequences are usually pretty cut and dry - there’s a process, a penalty, and then you move on. Family trust, on the other hand, doesn’t have an expiration date or a set procedure ...
RE: Rising premiums for business vehicle fleets - anyone else notice this?
Honestly, I wouldn’t say insurers are just looking for excuses to hike rates. The repair costs on newer vehicles - especially with all those sensors - are through the roof, and that’s a big driver. Even with perfect driv...
RE: How I managed to stack discounts for military student drivers
That’s not far off - some of these discount policies are intentionally convoluted. I’ve seen people lose out on hundreds because they missed a renewal date or didn’t know a ticket from three years ago was still on record...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
I’ve seen companies interpret “regular vs. incidental” pretty strictly, especially if there’s a pattern of someone borrowing your car more than once or twice. For a true one-off, most carriers won’t hassle you, but if th...